Family: A Benefit Plan for Dependents

Social Security is much more than a program that’s sole function is concerned with retirement. Social Security can also be a spousal benefit plan and an insurance plan for dependents. AARP's Social Security Question and Answer Tool can assist with practical, comprehensive information about how, in cases of death or divorce, spouses, ex-spouses and families could be eligible to receive benefits based on your earnings. Understand the ways Social Security can adapt to the ever-changing needs of American families, economically and structurally.

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A: Since benefits are paid a month behind (e.g. the benefit for January is paid in February), any payment received during the month of death is payable and does not have to be returned. — Read Full Answer